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Virtual Wallet Logo
What is Virtual Wallet?
Virtual Wallet helps you spend, save, and grow your finances.

Manage your money online with Virtual Wallet

Pay your bills, track your spending by category, set savings goals, and more with Virtual Wallet online tools.  Explore money management tools »

Virtual Wallet is made up of Spend (your primary checking account), Reserve (for short-term savings) and Growth (for long-term savings) accounts.

Select the type of Virtual Wallet that best suits your needs:


Virtual Wallet Overview
Virtual Wallet with Performance Select
If you want premium account features with the highest level of rewards and benefits
  • No fees for using non-PNC ATMs. Other banks' surcharge fees are reimbursed[1] 
  • Free transactions at approximately 9,000 PNC ATMs[2]
  • Multiple ways to avoid monthly service charge

View Account Details

Virtual Wallet Overview
Virtual Wallet with Performance Spend
If you want rewards for your broader banking relationship
  • Some fees for using non-PNC ATMs are reimbursed[1] 
  • Free transactions at approximately 9,000 PNC ATMs[2]
  • Multiple ways to avoid monthly service charge

View Account Details

Virtual Wallet Overview
Virtual Wallet
If you want basic account features
  • Free transactions at approximately 9,000 PNC ATMs[2]
  • Earn cash with PNC Purchase Payback[3]
  • Multiple ways to avoid monthly service charge

View Account Details

Virtual Wallet Student Overview
Virtual Wallet Student
If you are a student and want tools and resources that can help you keep track of your money.
  • No monthly service charge for the first 6 years from the date of account opening[4]
  • Reimbursement of the fee for the first two domestic or international non-PNC Bank ATM transactions made on your Spend, Reserve or Growth accounts per statement period[1]
  • $5.00 reimbursement of other financial institutions’ ATM surcharge fee per statement period[1]
  • Free transactions at approximately 9,000 PNC ATMs[2]
  • PNC Bank Visa® Debit Card

View Account Details

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Important Legal Disclosures and Information

  1. In the event PNC determines that there has been fraudulent or excessive ATM usage on the account, PNC is not obligated to reimburse any related surcharge fees, and any related reimbursements must be repaid. Surcharge fees not identified within the transaction by the originating financial institution may not be reimbursed. Any fee reimbursements occur at the end of the statement period.

  2. When depositing checks at an ATM, you may receive an offer to choose PNC ExpressFunds, an optional service that makes your funds available faster for certain purposes. There is a fee for this optional service. If you decline the offer, you will still be able to make your deposit.

  3. Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you receive offers may depend on using your PNC Visa Card, or where you use your PNC Visa Card to make purchases. Not everyone will get the same offer.

  4. Virtual Wallet Student has no minimum balance requirement or monthly service charge for active students for six years from the date of account opening. You may be asked to provide proof of active enrollment in a qualifying educational institution. At the end of the six years, your account will be converted to Virtual Wallet and subject to the Virtual Wallet Features and Fees in effect at that time. If you transfer this account to a different product or account type during the first six years, you will forfeit the benefits of the Virtual Wallet Student account and will not be able to transfer back to the Virtual Wallet Student account. 

Virtual Wallet is a registered trademark of The PNC Financial Services Group, Inc.

PNC Purchase Payback is a registered mark of The PNC Financial Services Group, Inc.

PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc.

Visa is a registered trademark of Visa International Service Association and used under license.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.

The PNC Financial Services Group, Inc. All rights reserved.